Call reports 2005
FOUR OAKS BANK & TRUST COMPANY — 2005
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 424,512,000 | 446,591,000 | 475,910,000 | 522,365,000 |
| Total loans | 322,114,000 | 351,219,000 | 378,346,000 | 397,094,000 |
| Allowance for loan losses | 4,185,000 | 4,334,000 | 4,700,000 | 4,965,000 |
| Securities available for sale | 63,208,000 | 58,471,000 | 63,173,000 | 79,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,126,000 | 357,201,000 | 381,141,000 | 404,633,000 |
| Interest-bearing deposits | 279,454,000 | 291,524,000 | 349,837,000 | 384,458,000 |
| Noninterest-bearing deposits | 64,672,000 | 65,677,000 | 31,304,000 | 20,175,000 |
| Equity capital | 34,104,000 | 35,162,000 | 36,099,000 | 36,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,219,000 | 13,123,000 | 20,885,000 | 29,386,000 |
| Interest expense | 1,820,000 | 3,990,000 | 6,709,000 | 10,062,000 |
| Net interest income | 4,399,000 | 9,133,000 | 14,176,000 | 19,324,000 |
| Noninterest income | 793,000 | 1,714,000 | 2,848,000 | 3,356,000 |
| Noninterest expense | 3,166,000 | 6,557,000 | 9,912,000 | 13,295,000 |
| Provision for loan losses | 187,000 | 378,000 | 876,000 | 1,403,000 |
| Pretax income | 1,785,000 | 3,799,000 | 6,057,000 | 7,596,000 |
| Income tax | 617,000 | 1,338,000 | 2,195,000 | 2,730,000 |
| Net income | 1,168,000 | 2,461,000 | 3,862,000 | 4,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,881,000 | 35,565,000 | 36,666,000 | 37,717,000 |
| Total capital | 38,997,000 | 39,899,000 | 41,366,000 | 42,682,000 |
| Risk-weighted assets | 329,194,000 | 355,057,000 | 384,171,000 | 410,459,000 |
Machine access — free, no API key
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